Bernardini & Donovan Insurance Services

Blog & News

group health plans

The Latest Small-Group Health Plan News

For your Redlands-based small business, of one to one hundred employees, finding the right health plan can be a challenge. Amid so many options, fluctuating circumstances, and things to consider, the choice is often overwhelming. However, with informed guidance and attentive counsel, you and your employees will benefit from the security of a quality health insurance plan. This is where we at Bernardini and Donovan come in. We are here to provide you with expert advice as you make this critical decision for your valued team members. And before you finalize your choices, take note of these health insurance updates. Latest small group health insurance news: In the fourth quarter of this year, those who are renewing their policies will notice a rate increase. This is caused by an added component of the Affordable Care Act called the Health Insurance Tax (HIT). Though it was anticipated to be repealed, it is now driving
Read More »
California health insurance

New California Health Insurance Mandates

For the most part, the Affordable Care Act, or Obamacare, has remained intact since President Trump’s election. However, in 2019, congress repealed what Trump found most troublesome about the plan. As a part of a major tax bill, the enforcement of individual mandates was eliminated in January of this year. Prior to this, individuals who were not covered by health insurance were subjected to a tax penalty of $695 per adult or 2.5 percent of their household income, whichever was higher. This was enforced with several exemptions to address the unique circumstances of each individual. However, California is among the handful of states that have passed legislation to reissue this individual mandate. And in 2020, its residents will be required to obtain qualified health insurance or face a tax penalty. But this time, it will look a bit different than that wish was issued on a federal level. The penalty for uninsured
Read More »
small business health insurance

5 Small Business Health Insurance Pitfalls

Redlands small businesses face several challenges when it comes to employee health insurance. However, this must be made available for the benefit of each employee and the success of your company. Offering health insurance makes your employees more likely to stick around, keeps them happy and healthy, and can even save you money. So, while it may seem like a daunting endeavor, we advise that no matter the size of your company, you consider offering health insurance. There are a few mistakes when implementing a health care plan for your employees of which to take note. Make sure that you are aware of their threat and of the ways these pitfalls can be avoided. And rest assured that, even when issues arise, there are often simple solutions. A misunderstanding of eligibility requirements.  There are a few things that might keep an individual from partaking in their employer’s health care insurance plan. That’s
Read More »
medical insurance

3 Questions For Your Doctor

Health insurance is a vital aspect of our health and well-being. And the exponentially rising cost of healthcare is insurmountable without some level of insurance. So, it is crucial that we are covered in the case of an unforeseeable ailment or injury. However, health insurance is a complicated web of pure confusion. It takes an expert, someone who has devoted their entire career to the subject, to fully understand its ins and outs. And while you do not need to comprehend every aspect of insurance or even your own coverage completely, there are some things you’ll want to be sure are made clear. If you’ve recently moved or required specialized medical attention, you may be seeking a new primary physician. And in this process, you’ll need to consider a few questions. To help you better understand your insurance, your doctor, and choose the best avenue of care for your needs,
Read More »
California Vaccination Rates Dropping: What You Need to Know

California Vaccination Rates Dropping: What You Need to Know

For 3,000 years, smallpox was among the world’s most feared diseases. Over 80 percent of children faced an early death with the foreboding diagnosis. But in 1796, Edward Jenner developed the first successful vaccine against smallpox. And upon his discovery, millions of lives were spared from this deadly disease. So today, we celebrate Jenner’s genius and the worldwide eradication of smallpox. Since 1796, 14 more diseases have been held at bay or made less-prominent by the invention and wide administration of vaccines. They are now generally non-threatening to western civilization. These diseases include polio, tetanus, flu, hepatitis B, hepatitis A, rubella, Hib, measles, whooping cough, pneumococcal disease, rotavirus, mumps, chickenpox, and diphtheria. While they still exist, each of these is far less common in the United States. Today, our society is healthier and safer thanks to modern medicine the contributions of vaccines. While vaccines are essential to the prosperity of
Read More »

Our website uses cookies and thereby collects information about your visit to improve our website (by analyzing), show you Social Media content and relevant advertisements. Please see our cookies page for furher details or agree by clicking the 'Accept' button.

Cookie settings

Below you can choose which kind of cookies you allow on this website. Click on the "Save cookie settings" button to apply your choice.

FunctionalOur website uses functional cookies. These cookies are necessary to let our website work.